Our doctors are proficient in diagnosing and treating injuries from an auto accident. In addition, our administrative staff is experienced in the handling of auto insurance claims.
Together, we make it our goal to ensure the handling of your claim goes as smoothly as possible so you can focus on getting well.
Personal Injury Protection (PIP) is coverage through your auto insurance policy that covers medical expenses, lost wages or other costs related to injuries from an auto accident.
Anyone inside the vehicle at the time of the accident is covered under the PIP policy. This is regardless of fault.
PIP limits are the maximum amount your auto insurance allows toward medical expenses, lost wages or other costs related to injures from a single auto accident. Per Oregon law, PIP must provide at least $15,000 of coverage per person, per accident for up to two years from the accident date. There are some exceptions to this rule, so please check with your insurance representative or attorney to verify your specific situation.
PIP covers reasonable and necessary medical expenses that are incurred as a result of an auto accident, including chiropractic care. You do not need a referral from another provider to get chiropractic care.
As soon as you are able, call your insurance agent to report the injuries that resulted from the auto accident. The agent will open a PIP claim and provide you with a claim number to give to your medical provider. An adjuster from your insurance company will contact you to obtain specific information about the accident and injuries. You may be required to complete and submit an Application for Benefits before the insurance company pays your medical expenses. If you need assistance, your insurance company representative or your attorney can help.
Occasionally, a bill or service may get denied for any number of reasons. If you receive notification that a bill has been denied, contact our office immediately so we can try to resolve the issue. Remember; you are ultimately responsible for the bill, even though you have insurance and even though someone else caused your injuries. If the insurance company continues to deny your medical expenses, you may want to hire an attorney who can help navigate the dispute resolution mechanisms available for you through your insurance contract.
Call us at 503.246.1881 and ask for the Insurance Administrator.